Payment & business solution
Offer a third-party customer application path at checkout while separating merchant responsibilities from the provider's underwriting, disclosures, approval, funding, refunds, and customer servicing. Compare merchant fit, implementation steps, limitations, and complete-cost variables before selecting a provider.
Plain-language definition
Consumer financing is a third-party checkout option in which a provider evaluates the customer and, if approved, pays the merchant under the applicable program terms.
Day-to-day workflow
Staff present the available provider option without promising approval, the customer applies through the provider's secure flow, the provider makes its decision and disclosures, and the merchant confirms authorization before completing the sale.
Implementation
The implementation requirement is specific: eligible products and tickets, customer application flow, staff script, advertising rules, funding trigger, refunds, cancellations, disputes, provider support, data handling, and merchant fees. AMP can document dependencies and questions, but the merchant and applicable providers must confirm compatibility, account approval, responsibilities, testing, training, and support in writing.
Complete cost
merchant program or transaction fees; integration and software; training and compliance operations; refunds, cancellation handling, support, and provider terms Compare recurring, transaction-based, one-time, optional, and exit costs separately. A proposal is incomplete if it omits equipment ownership, software term, support scope, or cancellation obligations.
Failure planning
Customers may be declined or receive different terms; staff can create risk by predicting approval, misstating costs, handling sensitive data outside the provider flow, or completing work before authorization is confirmed.
Decision guide
Compare providers on customer experience, eligible transactions, merchant funding, refunds, disputes, support, data responsibilities, and complete merchant cost—not advertised customer payment examples alone.
Know before you decide
Complete-cost view
Only a written proposal and agreement can establish actual pricing and terms.
Owner questions
Describe it as an optional third-party application and direct the customer to the provider's disclosures and secure flow. Staff should not predict approval, quote unverified terms, or imply that AMP or the merchant makes the credit decision.
Only after following the provider's required authorization and funding-trigger process for the specific transaction. An application start, prequalification message, or customer expectation is not necessarily final approval to deliver goods or services.
Document who initiates the reversal, what the provider requires, when merchant funding changes, how the customer obligation updates, and how status returns to the POS or invoice. Test partial and full cancellations before launch.
No. Financing is provided by a third party and is subject to a third-party application, approval, and terms. Eligibility, limits, cost, timing, availability, and business outcomes vary and are not guaranteed.
Published 2026-08-03 · Modified
Government consumer-credit resource relevant to card and financing disclosures. Source reviewed .
Government guidance on truthful price and promotional representations. Source reviewed .
Share the current process, the constraint you need to remove, and the systems that must remain. AMP can return a scoped next step without treating a headline rate or feature list as a complete recommendation.